Liability insurance ZZP
As a self-employed person without staff, you want to be well insured if you cause damage to others. Calculate your premium now and compare insurers and coverages for the best liability insurance for self-employed workers.
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Liability insurance for self-employed workers
As a self-employed person, it is smart to take out liability insurance to protect yourself from unexpected claims. One mistake, accident or misunderstanding can quickly lead to high costs that you will have to pay yourself without insurance.
A liability insurance zzp covers the financial consequences of your mistakes. Including damage to persons and property. You are also insured for damage caused by an intern or temporary worker employed by you.
Liability insurance is part of the zzp insurance package.
Liability insurance is not always mandatory, but always wise
It's usually not mandatory, but many clients these days want you to have such insurance. This already gives you an advantage over other self-employed workers who do not have the insurance.
Private liability insurance never covers damages
As a self-employed person, you cannot fall back on your private liability insurance if you cause damage while working. That private insurance (AVP) only covers damage in private situations, not in business activities.
Cost of liability insurance zzp
Each insurer has its own rules. The amount insured may also be different for each insurer. Sometimes there is an excess per event. Therefore, always read the policy conditions carefully.
The cost of liability insurance for self-employed workers depends on your industry, turnover and risks, but on average you will pay between €300 to €400 per year.
Want to know the cost of your liability insurance? Compare several insurance policies and easily calculate your premium.
Cost of liability insurance varies by industry
The premium for liability insurance as a self-employed person varies by industry and depends on the risk of claims. In low-risk professions such as consulting, education or IT, the premium is usually relatively low.
On the contrary, in sectors with physical work or direct customer contact such as construction, installation and beauty care, the premium is higher because of the greater likelihood of property or personal injury damage.
Even for other professions such as photographers, movers or animal handlers, the premium depends on the type of work and associated risks.
Liability insurance tax deductible
As a self-employed person, you can often deduct the cost of business liability insurance from your taxes. This is because it is considered a necessary expense for your business. As a result, you are insured for liability for a relatively low amount.
2 types of liability insurance
There are 2 types of liability insurance: professional liability insurance and corporate liability insurance.
Professional liability insurance
Professional liability insurance covers financial damage caused to another person (client) by your actions. Think of giving advice that is wrong, causing a client to act and end up suffering substantial damages as a result.
This insurance covers the following:
Negligence
Professional mistakes
Legal liability
Violation of privacy
Defamation and slander
Infringement of third-party rights (intellectual property rights)
Retaliation Costs
Cost of defense and preventing or reducing damages
Business liability insurance (AVB).
Business liability insurance pays for property damage and injury. This applies to damage caused by your products and damage you cause to someone else or their belongings.
This insurance also covers the cost of consequential damages or possible injuries. Consequential damage is damage that arises indirectly as a result of an earlier (direct) damage or mistake. Thus, it is not the original damage itself, but its adverse consequences.
Corporate liability insurance is available from as little as €15 per month.
Liability insurance for self-employed construction worker
With a liability insurance zzp bouw you are insured if you accidentally break something on someone else. Or if you cause physical injury to another person.
The damage must be related to your company's work and activities known to the insurer. In addition, you are also insured for:
- Walk-in risk: damage prior to the effective date of your insurance that you were unaware of.
- Damage to the belongings of others you are working on or handling at the time
- Damage caused by a temporary worker or intern.
Liability insurance for self-employed healthcare worker
Do you have your own practice as a coach, host parent or beautician? Imagine this: a client trips over the rug in your office. Or while dyeing hair, you accidentally damage the client's clothes. You are then liable for the damage that occurs.
With liability insurance zzp zorg you are well insured in case of damage to others, for example, in these situations:
- Bodily injury to others while at work
- Walk-in risk: damage prior to the effective date of insurance that you were unaware of.
- Damage to the belongings of others you are working on or handling at the time.
- Damage caused by a temporary worker or intern.
Take out liability insurance zzp
Calculate your premium and take out your liability insurance directly online.
We pick out the fine print for you
"Comparing insurance almost always pays off. Premiums may have increased or your personal situation may have changed. That's why we recommend comparing your insurance every year."
Bjorn - Expert Insurance
More than 5 years of insurance experience
Frequently asked questions about liability insurance zzp
Is liability insurance mandatory for a self-employed person?
In most fields of work, it is not mandatory to take out liability insurance zzp. For some professions, however, you must take out professional liability insurance as a self-employed person before engaging with a particular client. These include professions such as financial advisor or notary.
Why get liability insurance as a self-employed person?
An accident is in a small corner and can have major consequences for you as a self-employed person. It is difficult to estimate in advance the amount of compensation claims. The amounts can reach capitals that are virtually unbearable for a small self-employed person. With a liability insurance zzp you are insured for these costs.
What does liability insurance zzp cost?
The cost of liability insurance for self-employed people is tax deductible. As a result, you are insured for liability for a relatively low amount. Calculate the premium here.
Can I compare liability insurance for self-employed people?
Through our website you can easily calculate your premium. Enter a number of details and immediately a number of insurance policies appear with the corresponding premiums and policy conditions. You can easily compare these.
Is my private liability insurance valid as a self-employed person?
Private insurance does not cover your work as a self-employed person. So your private liability insurance is not valid for your work as a self-employed person.
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